Terms of Use

Our Terms of Use

These Terms govern your use of 1800insurance.com (the “Site”), including pages, forms, phone experiences, widgets, APIs, and tools. The Site is operated by Aegis Platforms, Inc. (“Aegis,” “we,” “us,” “our”). By using the Site, you agree to these Terms, our Privacy Policy, Your Privacy Choices (Do Not Sell/Share), and the Notice at Collection shown or linked on forms. If you disagree, do not use the Site.

What We Do (Connector Only)
We are a technology platform that connects you with independent, licensed insurance professionals. We do not match or recommend providers, underwrite, bind, sell, or service insurance, and we do not provide personalized insurance advice or set prices. Site content is general and educational only; decisions are yours with a licensed professional. Providers are independent third parties, not our employees or agents. Your dealings are between you and the provider.
Availability; No Guarantee. Connections depend on location, insurance line, provider capacity, business hours, fraud screening, and queue depth. We act in good faith to connect you but do not guarantee contact, quotes, or outcomes.
No Producer or Referral where prohibited. We do not perform activities that require a producer license where prohibited.

Eligibility and Acceptance
Intended for individuals 18 or older in the United States or Canada who can form a binding contract and will comply with these Terms and applicable law.

Privacy, Choices, and Notices
See our Privacy Policy for data practices. Use Your Privacy Choices (Do Not Sell/Share) to opt out of targeted ads and certain transfers; we honor recognized browser signals such as Global Privacy Control. A Notice at Collection appears (or is linked) on Contact Us and Insurance Inquiry forms.

Forms: Contact Us and Insurance Inquiry
By submitting any Site form, you agree to the following.
Accuracy and authority. Provide true, current, and complete information, and only submit phone numbers and emails you control.
Good-faith use. Forms are for consumer inquiries, not spam, phishing, scraping, competitive intelligence, or duplicate/speculative requests intended to game routing.
Verification. We may validate identity and information and may decline or filter submissions we suspect are abusive or fraudulent.
No sensitive data unless requested. Do not include SSNs, license scans, payment data, or medical records in free-text fields. Provide only what a field specifically requests.
Routing and triage. We may filter, queue, throttle, prioritize, limit recipients, or decline submissions based on geography, insurance line, provider availability, system health, or fraud risk.

Consent to Contact; Do-Not-Call; Recording
Submitting an Insurance Inquiry may include express written consent to receive calls, texts, and emails from up to four licensed providers and their service providers. You may revoke consent at any time by telling the caller “Do Not Call,” replying STOP to texts, using email unsubscribe links, or contacting us (see Contact). We maintain a written Do-Not-Call policy and honor revocations within 10 business days. We keep brand-specific consent logs (time, source, disclosure text, form variant, opt-in fields) and may share proof with providers. If calls are recorded, we will notify you as required by law.

Independent Providers and Compensation
Providers are independent controllers of the information they receive and have their own terms and privacy policies. We do not control their advice, pricing, quality, or availability and do not guarantee quotes or approvals. We may receive referral, marketing, or performance-based compensation when you connect, call, click, or purchase via our Site or routing. Compensation is not an endorsement and does not determine automated routing.

Acceptable Use
Do not misrepresent identity or submit for others without authorization. Do not scrape, spider, or harvest Site data or endpoints. Do not probe, scan, or bypass security, or reverse engineer code, workflows, or rate limits. Do not use bots or automation to submit requests. Do not upload malware or degrade or disrupt the Site. We may monitor, rate-limit, suspend, or terminate access we reasonably believe violates these Terms or creates risk.

License and Ownership
We grant a limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, lawful purposes and not to resell or redistribute leads. The Site (text, design, code, logos, and 1-800-INSURANCE) is owned by Aegis or its licensors. Except for the limited license above, no rights are granted.

User Content and Feedback
If you submit content such as testimonials or questions, you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, reproduce, modify, and display it to operate, market, and improve the Site and Services. You represent you own or have rights to your submissions and that they are lawful. Feedback may be used without restriction or attribution.

APIs, Widgets, and Embeds
If we provide APIs or widgets, the following apply.
License. Limited, revocable license to call our API or display our widget solely to enable good-faith consumer connections to licensed providers.
Personal data handling. Store personal data only transiently to fulfill the user’s action and delete within 24 hours unless you have the user’s independent consent and legal basis. No resale or profiling of our responses.
Branding and notices. Do not remove branding or required links (Privacy, Your Privacy Choices, Notice at Collection). Show those links wherever data is collected.
Limits. Follow rate limits; no scraping, load testing, or reverse engineering.
Audit and kill switch. Provide written compliance attestation on reasonable notice; we may revoke access immediately for abuse, risk, or legal demand.
Compliance. If you handle personal data from our API or widgets, you are independently responsible for privacy, telemarketing, and security compliance.

Editorial and Licensed Agent Oversight (No Producer Relationship)
Some Site content may be reviewed or overseen by a licensed insurance producer for accuracy and compliance. This is not individualized advice and does not create a producer-client relationship. Any producer oversight may be licensed only in certain states. We do not solicit or conduct producer activities where not licensed or where prohibited. We may post a Licensing and Jurisdictional Notices page listing relevant licenses and states.

Third-Party Sites and Tools; No Professional Advice
We may reference or link to third-party websites and tools; we do not control them. Use at your own risk and review their terms and privacy policies. Site content is informational and not legal, tax, investment, financial, or insurance advice for your situation.

Security, Accessibility, and DMCA
Security. Do not test or exploit vulnerabilities. Report issues via legal@1800insurance.com (see Contact) and keep reports non-public until remediation.
Accessibility. We aim for WCAG 2.1 AA. Report barriers via legal@1800insurance.com (see Contact) or call 617-838-9037; we target a two-business-day response.
DMCA Agent. Aegis Platforms, Inc., Attn: DMCA Agent, 7901 4TH ST N STE 28918, ST. PETERSBURG, FL 33702, USA. Send DMCA notices to legal@1800insurance.com with the required elements; we may remove content and terminate repeat infringers.

Disclaimers
The Site, forms, routing, content, widgets, and APIs are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy or completeness. We do not warrant uninterrupted or error-free operation and do not control providers.

Liability Limit
To the maximum extent permitted by law, Aegis and its affiliates, officers, employees, and contractors are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, or business interruption. Our total liability is capped at the greater of 250 dollars or the amount you paid us, if any, in the 12 months before the event. Some jurisdictions restrict limitations; where they do, limits apply to the fullest extent permitted.

Indemnification
You will defend, indemnify, and hold harmless Aegis and its affiliates, officers, employees, and contractors from and against claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from your Site or form use, your content or submissions, your violation of these Terms or law, or your interactions with providers.

Changes, Suspension, and Termination
We may modify the Site and these Terms at any time. We will update the Effective Date and post revised Terms. For material changes, we will post a prominent notice on the Site and, when feasible, email registered users before they take effect. Continued use after the effective date is acceptance. We may suspend or terminate access for violations or risk. Sections that should survive, including IP, disclaimers, limits, indemnity, and dispute resolution, survive termination.

Communications and E-Sign
You consent to electronic communications by email, SMS, or on-site notices and to electronically sign acknowledgments and disclosures. Keep your contact information current.

Disputes, Arbitration, and Class Waiver
Informal resolution. Before a claim, email legal@1800insurance.com with a brief description and contact information; we will try to resolve within 60 days.
Binding individual arbitration. If unresolved, you and Aegis agree to binding, individual arbitration (not court) administered by AAA or JAMS under applicable consumer rules. No class or representative actions. The arbitrator may award any relief available in court to the individual party.
Delegation. The arbitrator decides arbitrability, scope, and enforceability to the extent permitted by law.
Fees. Fees will be allocated per the administrator’s consumer rules, and we will pay fees as required so the process is not cost-prohibitive.
Mass or batch procedure. If 25 or more substantially similar demands are filed by or with the same counsel, the parties will batch proceedings for administrative efficiency, including reasonable bellwethers and good-faith mediation, before individual merits hearings.
Public injunctive relief (California). Not waived where non-waivable.
Opt-out. You may opt out of arbitration within 30 days of first acceptance by emailing legal@1800insurance.com (subject “Arbitration Opt-Out”) or mailing a signed notice with your name, email, and a clear opt-out statement to the address below.
Small-claims. Either party may bring an individual action in small-claims court.
Jury waiver. If arbitration is unenforceable for a claim, both parties waive jury trial to the extent permitted by law.

Governing Law, Venue, Export, and Sanctions
Florida law governs, excluding conflict rules. If arbitration is unavailable or unenforceable for a claim, the exclusive courts are the state and federal courts in Florida. Do not use the Site if you are in an embargoed country or on a U.S. restricted-party list. Comply with export and sanctions laws.

Force Majeure, Relationship, and Miscellaneous
Force majeure. No liability for delays or failures beyond our control, including telecommunications, ISP or CDN outages, DDoS, and cloud or hosting incidents, labor disputes, acts of God, or government actions.
No agency. Using the Site does not create a partnership, joint venture, employment, or agency relationship with us or any provider.
Entire agreement; severability; assignment; no waiver; headings. These Terms and incorporated policies are the entire agreement. If a provision is invalid, the remainder remains effective. We may assign; you may not without our written consent. Our inaction is not a waiver. Headings are for convenience only.

Contact
Aegis Platforms, Inc.
Attn: Legal / Terms of Use
7901 4TH ST N STE 28918
ST. PETERSBURG, FL 33702, USA
Email: legal@1800insurance.com
Phone: (786) 938-8889‬